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Life & Health Insurance Producer (North Carolina)

First published: September 2, 2026Last verified: September 2, 2026Reviewed by the CertQuestUSA team
TL;DR

Life & Health Insurance Producer (North Carolina): a 178-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 50 questions each with no repeats, every question citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real source -- primarily content.naic.org (56%) and healthcare.gov (14%) of this exam's citations.

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3
full papers, no repeats
50
questions per paper
178
questions in the bank
What this exam covers
5 real sample questions
Under North Carolina law, how are "life" and "accident and health or sickness" structured for insurance producer licensing purposes?
A. As two separate, independently listed lines of authority that a producer must each individually qualify for
B. As a single combined "life and health" line of authority requiring one application and one exam
C. As sub-categories of the personal lines authority
D. As a limited line requiring a separate NCDOI hardship waiver
Source: N.C.G.S. § 58-33-26(c1)
What must an applicant do to obtain both the life line and the accident and health or sickness line of authority in North Carolina?
A. Complete a single combined "life and health" exam covering both lines at once
B. Pass a separate state licensing examination for each line of authority sought
C. Pass the life exam only; accident and health authority is automatically included
D. Obtain a written waiver from the Commissioner in lieu of an exam
Source: N.C.G.S. § 58-33-26
Effective October 1, 2025, what changed regarding prelicensing education (PE) for North Carolina producer applicants, including those pursuing life and accident/health lines?
A. PE hours increased from 20 to 40 hours per line
B. PE became mandatory for lines that had previously been exempt
C. The statutory PE-hour mandate in former G.S. 58-33-30(d)(2)-(3) was repealed, though the state licensing exam requirement itself remains in effect
D. PE was replaced by a mandatory 6-month supervised apprenticeship
Source: N.C.G.S. § 58-33-30(d); S.L. 2025-45 § 1(a)
A producer wants to sell Medicare supplement and long-term care insurance in North Carolina. How does the statute classify this authority?
A. As a completely independent line unrelated to accident and health
B. As a subset of the casualty line
C. As automatically included whenever a producer holds the life line
D. As a supplementary license layered on top of the accident and health or sickness line
Source: N.C.G.S. § 58-33-26(c1)(5)
Beyond the standard accident and health exam, what additional exam requirement applies to a producer who wants to sell Medicare supplement or long-term care insurance in North Carolina?
A. A supplemental written examination as prescribed by the Commissioner
B. No additional exam; the standard accident and health exam suffices on its own
C. The FINRA Series 6 securities exam
D. An in-person oral interview conducted by the Commissioner personally
Source: N.C.G.S. § 58-33-30(e)(6)
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (NC)May 2025$58,710/yr

Frequently asked questions

How many questions are on the CertQuestUSA Life & Health Insurance Producer (North Carolina) practice test?
178 questions total, split into 3 full papers of 50 each with no repeats across papers.
What topics does the Life & Health Insurance Producer (North Carolina) test cover?
10 domains, with the heaviest weight on Annuities, Tax, Retirement, Government Programs, and Consumer Accounts (14%), Applications, Underwriting, Delivery, and Field Responsibilities (14%), and Ethics, Suitability, Advertising, and General Regulation (14%).
Where do CertQuestUSA's Life & Health Insurance Producer (North Carolina) questions come from?
Primarily content.naic.org (56%) and healthcare.gov (14%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free diagnostic for Life & Health Insurance Producer (North Carolina)?
Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.
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